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RSPCA Pet Insurance Review

RSPCA pet insurance can cover up to $20,000 of your vet bills each year, with $0 excess.

3.9 ★★★★★ (136 reviews) Write a review
RSPCA Pet Insurance

Pros

  • It's good for pet lovers – a portion of your premiums support the RSPCA.
  • No excess to pay, unlike with many other insurers.
  • It comes with an annual limit of $20,000 – the standard among most insurers on Finder is $15,000.

Cons

  • Its $20,000 annual benefit isn't quite market-leading. A handful of insurers including Petsy, Knose and Everyday offer more.
  • It pays 80% which is standard, though some insurers will pay you more.
Deal

First month free

Get 1 month free for the first year of new policies, applied across the year.
Deal

10% Multi-pet Discount

Save 10% when you insure multiple pets with RSPCA Pet Insurance.

Compare RSPCA pet insurance policies side by side

Name Product Maximum Yearly Benefit Paralysis Tick Yearly Sub-Limit Reimbursement rate Accidental Injury Illness
RSPCA Ultimate Plus Accident and Illness Cover
$20,000
$20,000
80%
Yes
Comprehensive cover for your pet, including the option of routine care. Get 1 month free for the first year of new policies. T&C's apply.
RSPCA Ultimate Accident & Illness Cover
$11,000
$1,200
80%
Yes
RSPCA's second most comprehensive policy. For extra protection, you can add on Routine Care Cover. Get 1 month free for the first year of new policies. T&C's apply.
RSPCA Economy Accident & Illness Cover
$11,000
$1,000
75%
Yes
Covers your pet for a range of accidents and illnesses. Get 1 month free for the first year of new policies. T&C's apply.
RSPCA General Accident & Illness Cover
$11,000
$2,000
60%
Yes
Covers your vet bills when your cat or dog suffers an accidental injury or illness. Get 1 month free for the first year of new policies. T&C's apply.
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RSPCA pet insurance costs

To help give you an idea about costs for RSPCA pet insurance, we gathered quotes for a few of Australia's favourite dog breeds. Just remember, prices are going to change based on things like your own dog's breed, age and your address, so it's always worth comparing policies and getting a few quotes.

Dog Breed1yr old5yr old
Maltese Cross$871.03$1,191.87
Cavoodle$871.03$1,191.87
Labrador$1,161.59$1,613.44
Staffordshire Bull Terrier$1,077.01$1,486.01
Border Collie$1,077.01$1,486.01

🏥 What does RSPCA pet insurance cover?

Here's what's included with RSPCA pet insurance.

Ambulance vehicle with pet paw on the front

Accidental injuries

Like all insurers, RSPCA covers accidental injuries. It'll pay you 80% of vet bills if your pet is involved in an injury such as:

  • A motor vehicle incident
  • A burn or electrocution
  • An allergic reaction to an insect bite, excluding flea and tick bites

Vet building with pet paw on the front

Illnesses

Some RSPCA policies cover illnesses. They can pay 80% of eligible vet bills for illnesses such as:

Pet toothbrush and scissors

Routine care

Routine care is an optional benefit with RSPCA. This means you need to pay extra for it if you want it included. It can help pay the costs of the following:

  • Desexing
  • Microchipping
  • Heartworm control
  • Teeth cleaning
  • Vaccinations
  • Health checks
  • Flee/tick/worm control
  • Training

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RSPCA frequently asked questions

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👥 RSPCA reviews

If you're a previous or existing customer of RSPCA pet insurance, we'd love to hear from you! Leave a quick review here.

Written by

Gary Ross Hunter

Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full profile

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20 Responses

    Default Gravatar
    ShellyNovember 10, 2018

    How much is it for my dogs to get their teeth cleaned. Is it covered with this policy and what is the outlay for me. Thank you

      Default Gravatar
      JoelNovember 10, 2018

      Hi Shelly,

      Thanks for leaving a question on finder.

      If you’d like to take out an increased level of cover for your furry friend, the routine care option may offer the protection you desire. Designed to promote responsible pet ownership, this benefit is designed to help you cover the cost of routine preventative healthcare treatments for your pet. This includes:

      – $15 a year for heartworm test or blood screen
      – FeLV/FIV test or urinalysis – $15 a year
      – a $50 annual benefit for one of the following routine treatments: desexing, microchipping, preventative heartworm medication, teeth cleaning, vaccinations, dewclaw removal, council registration fees, prescription diets, alternative therapies, health checks.

      Please send me a message if you need anything else. :)

      Cheers,
      Joel

    Default Gravatar
    RobertJuly 30, 2017

    I have economy RSPCA cover, does it cover prescription medication? It pays 75% accident illness.

      AvatarFinder
      RenchJuly 31, 2017Finder

      Hi Robert,

      Thanks for reaching out to us. Please note that we are not affiliated with RSPCA Pet Insurance or any company we feature on our site and so we can only offer you general advice.

      Yes, all plans with RSPCA Pet Insurance cover medicine and drugs. The only exclusion are medications that is not approved or listed by the APVMA (Australian Pesticides and Veterinary Medication Authority).

      Cheers,
      Rench

    Default Gravatar
    debbielgSeptember 18, 2016

    Could you give me some monthly quotes on an insurance package for my 8 year old long haired domestic cat?
    Thanks
    Debbie

      AvatarFinder
      RichardSeptember 20, 2016Finder

      Hi Debbie,

      Thanks for your question. Finder is a comparison service and RSPCA is not part of the panel of pet insurance brands we have access to.

      If you would like to compare the products from the brands in our panel, you can do so by heading to our pet insurance home page.

      All the best,
      Richard

    Default Gravatar
    paulAugust 6, 2016

    i got a small dog call king charles but has anal gland want best insurance

      AvatarFinder
      RichardAugust 9, 2016Finder

      Hi Paul,

      Thanks for getting in touch. If you would like to review the cover options available from the pet insurance brands in our panel, please head over to our pet insurance homepage.

      All the best,
      Richard

    Default Gravatar
    BillJuly 7, 2016

    Do the premiums increase with each year as/because the dog ages?
    How long does it take for reimbursement?
    Cheers Bill

      AvatarFinder
      RichardJuly 8, 2016Finder

      Hi Bill,

      Thanks for your question.

      Your premiums will be set at the outset of the policy, and stated on your Certificate of Insurance. For information about the claims process, you should consult page 25 of the RSPCA Pet Insurance’s policy disclosure statement (PDS).

      I hope this was helpful,
      Richard

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